Diversified Consultants, Inc

2016-02-22

Snellville, GA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

El Paso, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-20

Jackson, MS

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Lathrup Village, MI

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Pottstown, PA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Soquel, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I disconnected my XXXX cable and phone service in XXXX 2015. I paid my last bill which includes prepayment of the next billing cycle. So I never expected to get a call from a collection agency for this account. 3 months later, I got a call from a collection agency that I owe XXXX money. I requested the detail of the amount charged, but the collection agency could n't provide because they only got limited information from XXXX, and XXXX could n't provide because the account is already closed. I was never informed about this charge until the collection agency reported this to credit bureau and called me afterward.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Shulerville, SC

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Complaint: They call twice a day, everyday. I have told them I am a full-time student and unemployed. They claim to notate it on my account and say to call them if anything changes.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Quartzsite, AZ

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: My XXXX account was transferred to Diversified Consultants Inc and when I received notice of this, I immediately paid in full and was assured it would not hit my credit report. Months later, I noticed an open balance on my credit report for an amount I did not owe. I reached out to DCI and they told me it was an error on their end and they would update the records for the credit bureaus. Recently, I noticed it is still on my credit report so I submitted a dispute to XXXX and they notified me that DCI claims the debt is mine, however, when I call DCI they tell me my account was paid in full and they are reviewing the issue. They continue to prolong the dispute and nothing has been resolved. In addition, their customer service is terrible and they are very rude when I call to request a status update. One of the representatives would not even let me talk and kept interrupting me and being disrespectful. It is frustrating that this error is affecting my credit and DCI is not being helpful.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-14

KY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I SUBMITTED A COMPLAINT IN XXXX TO CFPB IN REGARDS TO A XXXX COLLECTION ACCOUNT THAT POPPED UP ON MY CREDIT REPORTS IN XXXX XXXX IN THE AMOUNT OF XXXX THAT WAS WAS OWNED BY XXXX AT THE TIME CASE NUMBER XXXX. XXXX REMOVED THE ACCOUNT BECAUSE THEY COULDNT VALIDATE THE ACCOUNT AND ONLY PROVIDE ME WITH INVOICES/ BILLING STATEMENTS FOR THE ACCOUNT. NOW IT HAS POPPED UP AGAIN AND NOW THE DEBT IS BEING PURSUED BY DIVERSIFIED CONSULTANTS INC . I ASKED THEM ON XXXX TO VERIFY AND VALIDATE THE ACCOUNT. THEY DID THE SAME THING XXXX DID AND THATS PROVIDE ME WITH A BILLING STATEMENT FROM XXXX.ALSO THEY FAILED TO NOTIFY ME IN WRITING OF SAID DEBT PRIOR TO PLACING DEBT ON MY TRADE LINES ALLOWING ME AN OPPORTUNITY TO DISPUTE THE DEBT. I REQUESTED THE FOLLOWING INFORMATION AND THEY FAILED TO PROVIDE IT. ( 1 ) A copy of the of the charges and the dates they were processed ( 2 ) a copy of the terms and conditions of the contract ( 3 ) Documents showing when this account was opened and closed and the balance owed when the account was closed ( 4 ) A debt validation including all of the requested information DIVERSIFIED JUST AS XXXX HAS FAILED TO VALIDATE DEBT. BELOW IS A COPY OF THE LETTER RECIEVED FROM XXXX. XXXX XXXX XXXX said : Explanation of closure XXXX XXXX, XXXX Re : XXXX XXXX XXXX Case Number : XXXX XXXX Reference # : XXXX Dear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. A delinquent account in the original amount of {$1600.00} was placed with our office for collection on XXXX XXXX, XXXX by our client XXXX to service the delinquent portion owed. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX of the account placement in our office to the address on file. Said letter also informs XXXX XXXX how to dispute the validity of the debt, or any portion thereof. On XXXX XXXX, XXXX, our agency received a dispute forwarded to our office by the credit reporting agencies. At that time XXXX XXXX 's account was updated as a disputed item and placed in an investigatory status to prevent further collection efforts from occurring. Additionally, the item was updated accurately as disputed with the credit reporting agencies. In response to inquiries forwarded to our office by the credit reporting agencies, our office performed validations related to the information reported by our agency regarding XXXX XXXX 's account. We have confirmed that XXXX XXXX 's account was updated to the national credit reporting agencies accurately. On XXXX XXXX, XXXX, our office received correspondence from XXXX XXXX stating he was not disputing the debt, but was requesting validation of the debt be provided to him within 30 days. Per his request, our agency requested related documentation materials associated with the account from XXXX. Said materials was forwarded to XXXX XXXX 's address on file on XXXX XXXX, XXXX. We apologize if XXXX XXXX feels that we have not adequately validated his account, but the items provided to us by our client for this purpose are beyond our control. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX works diligently to treat all customers with the utmost professionalism and respect. If further assistance is needed with the complaint involving our office, please contact our agency directly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Ext : XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Aurora, CO

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-11

Flower Mound, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-11

Snellville, GA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Clarkesville, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Brooklyn, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Cooper City, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-06

Phila, PA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-05

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

Oxford, GA

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Complaint: Diversified Consultants has been inaccurately reporting a collection account that should have been deleted from my credit files since XXXX 2015. They ignore my calls and refuse to rectify the situation.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-02

Howard Beach, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

E Massapequa, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

AL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Diversified Consultants Inc. is reporting to the credit bureaus that I owe for an unverified debt that I 'm not responsible for. This debt does not belong to me and has created stress.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-02

Rome, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Brooklyn Center, MN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

MI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: A XXXX representative had been sending me information to sign up for their service. I called to do so. They scheduled the appointment to come on a Saturday. On Friday I got a call from their collections department that They were not coming because they claimed I owed them {$760.00} for a residence that I had never lived at. I explained to them that it was fraud. They told me that I needed to fill out an affidavit, to check my credit report, and file a police report. I did all of that. I called back asking them when they were coming and they still said I owed them money even though it was fraud. A month later I applied for a loan and XXXX was showing on my credit report as a collection account sold to a third party ( Diversified Consultants ). This caused my credit to drop XXXX points! XXXX used my personal information from a fraud affidavit to enter a debt on my credit report that I told them was fraud. XXXX installs services without requesting ID, when they found out it was fraud they still attempted to collect from me and hurt my credit in the process.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Capitol Heights, MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response